 So we got to think about that. And those are discussions we have to have each and every year with all of our clients. And actually, you can have that initial discussion too with the call to 800-501-9805. 800-501-9805. Annuities on people's minds. One that stuck out to me, Mark, was when people are asking about an annuity that covers both spouses. Is that an option and is it a good idea?